flood_zone

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FEMA flood zone for a US address or coordinate: zone (A, AE, VE, X ...), whether it is in the Special Flood Hazard Area (where lenders generally require flood insurance), base flood elevation with its datum, FIRM panel and effective date, NFIP community, and any Letter of Map Revision. Live from FEMA's National Flood Hazard Layer, with a plain-English summary. Reads FEMA's National Flood Hazard Layer at one point, live, so the answer is FEMA's current effective map: the flood zone and subtype, a risk level (high, coastal high, moderate, minimal, undetermined, unmapped), whether the point is in the Special Flood Hazard Area or a floodway, the base flood elevation in its unit and vertical datum (null, never 0, where no single elevation is published: it then varies along the flooding source and is read from the FIRM profile), the FIRM panel and its effective date, the NFIP community, any Letter of Map Revision in effect, and notes where FEMA's own flags disagree with the zone. Answers are cached for up to 30 days. An address is geocoded with the Census Bureau geocoder first, and the point used is returned; an ambiguous address is refused with its candidates. A point FEMA has not mapped digitally is reported as unmapped, not as low risk, and a point with no FEMA data at all (outside the US) is not found and not charged. On a zone boundary the higher-risk zone is reported and the others listed. Informational screening only: not an official flood zone determination (Standard Flood Hazard Determination Form), not an elevation certificate, and not insurance or lending advice. Every answer carries that disclaimer. When to use: Use when asked whether a US property is in a flood zone, needs flood insurance, is in the SFHA or a floodway, or for its FEMA zone, base flood elevation or FIRM panel. Quote the `summary` and keep the `disclaimer` with it. For flood plus everything else about an address in one call, use address_profile. Billed as property.flood_zone at 2c. Every response includes a sources[] array naming the data origin and licence.